Civic Intelligence

Align Credit Union

EIN 04-1680140 • 501(c)14 • Lowell, MA

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Profile

The credit union accept deposits and grant loans to its members. Benefit paid are dividends on deposit accounts and granting accesible credit to its members

87 Hale StreetLowell, MA 01851

www.aligncu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

97th percentile

0.95x

Higher debt load relative to assets than 97% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

97th percentile

21.57x

Higher debt load relative to revenue than 97% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

1st percentile

-29%

Higher net margin than 1% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

67th percentile

$521,553

Higher top officer pay than 67% of similar nonprofits.

Top officer pay equals 1.8% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

6th percentile

-5.3%

Faster asset growth than 6% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

21st percentile

5.7%

Faster revenue growth than 21% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets97th percentile

Assets

Down

$669,475,106

Down $37,233,575 (-5.3%) from 2023

Liabilities

Down

$636,104,278

Down $32,883,642 (-4.9%) from 2023

Net Assets

Down

$33,370,828

Down $4,349,933 (-12%) from 2023

Operations
Liabilities / Revenue97th percentileNet Margin1st percentile

Revenue

Up

$29,485,904

Up $1,577,633 (+5.7%) from 2023

Expenses

Up

$38,156,747

Up $6,764,788 (+22%) from 2023

Net Income

Down

-$8,670,843

Down $5,187,155 (-149%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth6th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$800M$600M$400M$200M$0Assets 2010: $518,011,481Liabilities 2010: $451,671,546Net Assets 2010: $66,339,9352010Assets 2011: $527,746,056Liabilities 2011: $458,650,728Net Assets 2011: $69,095,3282011Assets 2012: $543,411,904Liabilities 2012: $470,832,874Net Assets 2012: $72,579,0302012Assets 2013: $546,495,467Liabilities 2013: $484,602,039Net Assets 2013: $61,893,4282013Assets 2014: $561,341,429Liabilities 2014: $494,331,494Net Assets 2014: $67,009,9352014Assets 2015: $563,550,434Liabilities 2015: $494,911,079Net Assets 2015: $68,639,3552015Assets 2016: $583,705,638Liabilities 2016: $516,985,013Net Assets 2016: $66,720,6252016Assets 2017: $578,561,311Liabilities 2017: $509,688,097Net Assets 2017: $68,873,2142017Assets 2018: $571,266,691Liabilities 2018: $504,496,452Net Assets 2018: $66,770,2392018Assets 2019: $641,056,129Liabilities 2019: $566,044,617Net Assets 2019: $75,011,5122019Assets 2020: $692,602,330Liabilities 2020: $610,741,390Net Assets 2020: $81,860,9402020Assets 2021: $748,085,438Liabilities 2021: $673,453,305Net Assets 2021: $74,632,1332021Assets 2022: $703,539,071Liabilities 2022: $668,201,549Net Assets 2022: $35,337,5222022Assets 2023: $706,708,681Liabilities 2023: $668,987,920Net Assets 2023: $37,720,7612023Assets 2024: $669,475,106Liabilities 2024: $636,104,278Net Assets 2024: $33,370,8282024

Highlighted filing

2024

Assets$669,475,106
Liabilities$636,104,278
Net Assets$33,370,828
Open 2024 Filing

Operations Trend

Revenue Growth21st percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$40M$20M$0-$20MExpenses 2010: $23,698,3852010Expenses 2011: $23,261,6192011Expenses 2012: $22,195,6072012Revenue 2013: $22,178,554Expenses 2013: $21,722,886Net Income 2013: $455,6682013Revenue 2014: $20,963,940Expenses 2014: $20,755,084Net Income 2014: $208,8562014Revenue 2015: $21,778,250Expenses 2015: $20,558,327Net Income 2015: $1,219,9232015Revenue 2016: $22,012,738Expenses 2016: $21,244,163Net Income 2016: $768,5752016Revenue 2017: $23,484,066Expenses 2017: $22,234,739Net Income 2017: $1,249,3272017Revenue 2018: $24,664,776Expenses 2018: $23,986,410Net Income 2018: $678,3662018Revenue 2019: $27,329,261Expenses 2019: $25,413,125Net Income 2019: $1,916,1362019Revenue 2020: $28,709,871Expenses 2020: $26,990,515Net Income 2020: $1,719,3562020Revenue 2021: $24,193,748Expenses 2021: $23,783,699Net Income 2021: $410,0492021Revenue 2022: $24,433,942Expenses 2022: $24,024,186Net Income 2022: $409,7562022Revenue 2023: $27,908,271Expenses 2023: $31,391,959Net Income 2023: -$3,483,6882023Revenue 2024: $29,485,904Expenses 2024: $38,156,747Net Income 2024: -$8,670,8432024

Highlighted filing

2024

Revenue$29,485,904
Expenses$38,156,747
Net Income-$8,670,843
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$669,475,106
Liabilities
$636,104,278
Net assets
$33,370,828
Revenue
$29,485,904
Expenses
$38,156,747
Net income
-$8,670,843
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$669$636$33.4$29.5$38.2$8.67
2023Detailed filing. Detailed filing data is available for this year.$707$669$37.7$27.9$31.4$3.48
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$704$668$35.3$24.4$24.0$0.41
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$748$673$74.6$24.2$23.8$0.41
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$693$611$81.9$28.7$27.0$1.72
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$641$566$75.0$27.3$25.4$1.92
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$571$504$66.8$24.7$24.0$0.68
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$579$510$68.9$23.5$22.2$1.25
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$584$517$66.7$22.0$21.2$0.77
2015Detailed filing. Detailed filing data is available for this year.$564$495$68.6$21.8$20.6$1.22
2014Detailed filing. Detailed filing data is available for this year.$561$494$67.0$21.0$20.8$0.21
2013Summary only. Only limited summary data is available for this year.$546$485$61.9$22.2$21.7$0.46
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$543$471$72.6$22.2
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$528$459$69.1$23.3
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$518$452$66.3$23.7
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 13, 2025
Return Version
2024v5.2
Gross Receipts
$59,650,718
Mission and Program Overview

Mission

The credit union accept deposits and grant loans to its members. Benefit paid are dividends on deposit accounts and granting accessible credit to its members.

Aligning our members and communities with financial tools to serve their needs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$399,248,578$390,470,816▼ $8,777,762
Investments in Publicly Traded Securities$265,755,613$243,166,822▼ $22,588,791
Rtn Earn Endowment Incm Other Fnds$37,720,761$33,370,828▼ $4,349,933
Land, Buildings, and Equipment, Net$7,999,912$8,790,305▲ $790,393
Savings and Temporary Cash Investments$11,521,832$6,088,116▼ $5,433,716
Cash and Non-Interest-Bearing Accounts$4,093,797$3,349,622▼ $744,175
Investments Other Securities$3,308,900$3,324,100▲ $15,200
Accounts Receivable$2,245,874$2,254,828▲ $8,954
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$706,708,681$669,475,106▼ $37,233,575
Other Assets Total$12,534,175$12,030,497▼ $503,678
Liabilities
Other Liabilities$567,191,125$562,103,242▼ $5,087,883
Mortgage Notes Payable Secured by Investment Property$97,000,000$70,000,000▼ $27,000,000
Escrow Account Liability$2,135,413$2,007,066▼ $128,347
Accounts Payable and Accrued Expenses$2,661,382$1,993,970▼ $667,412
Total Liabilities$668,987,920$636,104,278▼ $32,883,642
Net Assets / Fund Balance
Total Net Assets Fund Balance$37,720,761$33,370,828▼ $4,349,933
Total Liabilities and Net Assets / Fund Balance$706,708,681$669,475,106▼ $37,233,575

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,579,834$6,599,995$12,179,829
Equipment$1,085,471$4,647,574$5,733,045
Land$2,125,000-$2,125,000
Compensation and Service Providers
Top Officer Pay67th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gary AbramsInterim CFOFT$521,553-$521,553
Lydia VazquezPresident and CEOFT$418,141$81,948$500,089
Kenneth M Del RossiRetired President and CEO (termed Dec)FT$331,228$43,908$375,136
Kenneth M Del RossiRetired President and CEO (termed De-$321,987$53,149$375,136
Joanne MccarthyChief Retail Officer & Security OfficerFT$206,704$15,875$222,579
Joanne MccarthyChief Retail Officer & Security Offi-$196,048$26,531$222,579
Caleb SchultzChief Information OfficerFT$159,929$15,317$175,246
Sean WawrzkiewiczSVP-financeFT$136,327$35,901$172,228
Oanh LeVP-assistant ControllerFT$128,704$37,164$165,868
Jennifer HuskaSVP Chief Lending OfficerFT$112,453$52,832$165,285
Kristen McnamaraSVP-human ResourcesFT$114,480$37,836$152,316
Gary LongVP-collectionsFT$121,434$10,361$131,795

Board Members and Trustees

NameTitle
George R GaganChairman (termed Dec)
Steven J BabbittVice Chairman
Carol McmahonDirector
David R MorrisDirector
John MorrisDirector
Joseph ForsterDirector
Juliet KalungiDirector
Martin E ConwayDirector
Rey LemaineDirector
Karen a MorrisClerk (termed Jun)
Kathleen E MckenneyTreasurer
Frank H LospennatoTreasurer (termed Dec)

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservFi Technology75 REMITTANCE DRIVE SUITE 6969, Chicago, IL 60675$1,838,448
Rsm US LLPElectricianPO BOX 639, Dracut, MA 01826$1,148,884
Gary AbramsIt Consulting/it Services5155 PAYSPHERE CIRCLE, Chicago, IL 60674$1,112,310
C&g Associates INCInterim Cfo78 WESTON LANE, Hopkinton, MA 01748$521,553
-Facilities/ Maintenance7 CHUCK DRIVE SUITE 3, Dracut, MA 01826$426,408
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$20,490,500
Investment Income
$5,764,651
Other Revenue
$3,230,753
Change in Net Assets
$-8,670,843

Audited Revenue Reconciliation

Revenue per Audited Statements
$29,485,904
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$29,485,904
Total Revenue per Form 990
$29,485,904
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$16,081,404
Salaries, Compensation, and Employee Benefits$12,680,804
Grants and Similar Amounts Paid$51,810
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$9,342,729
Other Salaries and Wages---$8,450,178
Interest---$4,137,080
All Other Expenses---$2,270,747
Fees for Services Other---$1,987,291
Occupancy---$1,717,882
Current Officers, Directors, Trustees, and Key Employees---$1,584,752
Other Employee Benefits---$1,470,262
Depreciation Depletion---$1,337,081
Payroll Taxes---$785,780
Office Expenses---$393,463
Pension Plan Contributions---$389,832
Other Expenses---$382,539
Advertising---$216,067
Insurance---$175,480
Conferences and Meetings---$56,355
Grants to Domestic Orgs---$51,810
Travel---$25,631
Fees for Services Legal---$14,660
Total Functional Expenses$0$0$0$38,156,747

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$38,156,747
Total Expenses per Audited Statements$38,156,747
Total Expenses per Form 990$38,156,747
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARE & DEPOSIT ACCOUNTS$556,019,820
Other Liabilities$6,083,422
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 3

“Gary abrams, interim cfo. Self-employed, receives a 1099. Performed all cfo duties and responsibilities.”

Form 990, Part VI, Section A, Line 6

“The credit union has members.”

Form 990, Part VI, Section A, Line 7A

“The credit union holds an annual meeting according to its bylaws where all members are given proper notification. The bylaws call for the election of directors whose terms have expired.”

Form 990, Part VI, Section A, Line 7B

“The credit union members ratify decisions of the governing body at their annual meeting and elect directors at that time.”

Form 990, Part VI, Section B, Line 11B

“The organization contracts with their cpa firm to prepare form 990. After preparation, a draft copy is sent to the president and ceo and the chief financial officer for review. Once approved the 990 is filed. A copy of the 990 is provided to the audit committee and the full board for their review and ratification at the meeting following the filing of the form 990.”

Form 990, Part VI, Section B, Line 12C

“We have a written conflict of interest policy within our employee guidebook. Additionally, the board signs a code of ethics agreement. The questions are contained in the policy. A copy of the policy can be provided upon request.”

Form 990, Part VI, Section B, Line 15

“We used a consultant as well as relied on different surveys and the expertise of our hr department. Salaries are set annually by the salary/executive personnel committee of the board of directors. The current president/ceo is reviewed annually and evaluated on goals set by the bod.”

Form 990, Part VI, Section C, Line 19

“The credit union makes the document available upon request.”

Filing and Contact Details

Filer

Filer Name
Align Credit Union
EIN
04-1680140
Phone
8009429575
Address
87 HALE STREET, LOWELL, MA 01851

Signing Officer

Name
Lydia Vazquez
Title
President and CEO
Phone
8009429575
Signed
2025-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Lydia Vazquez
Formed
1922
Legal Domicile
Ma
Voting Board Members
10
Independent Board Members
9
Employees
163
Volunteers
10

Preparer

Firm
Wipfli Advisory LLC
Address
30 LONG CREEK DRIVE, SOUTH PORTLAND, ME 04106-2437
Preparer
Julia Howland CPA
Phone
2077745701
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“The credit union holds funds in escrow to pay insurance and taxes on behalf of its mortgage loan accounts.”

PART X, LINE 2:

“The credit union may recognize a liability for unrecognized tax benefits from uncertain tax positions. Unrecognized tax benefits represent the differences between a tax position taken or expected to be taken in a tax return and the benefit recognized and measured in the financial statements. Interest and penalties related to unrecognized tax benefits are classified as income tax expense.”

Raw XML AppendixShowing 400 of 691 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT AND CEO
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IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
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IRS990/Form990PartVIISectionAGrp/TitleTxt5CLERK (TERMED JUN)
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IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14CHIEF INFORMATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15INTERIM CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt16CHIEF RETAIL OFFICER & SECURITY OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17RETIRED PRESIDENT AND CEO (TERMED DEC)
IRS990/Form990PartVIISectionAGrp/TitleTxt18SVP-FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP-ASSISTANT CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP-COLLECTIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt21SVP-HUMAN RESOURCES
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